HCTC Program
What is the HCTC?

The Health Coverage Tax Credit is a federal program administered by the IRS that pay 65% of health care premiums for eligible individuals.  To receive this benefit individuals must register with the IRS by phone or mail. Because registering with the IRS can take some time, Utah was awarded money to help you with your health care premium while you complete the Federal HCTC registration process. Please note that Utah's HCTC Bridge Program does not replace the need for you to register with Federal HCTC.

Eligibility

You may be eligible for the Health Coverage Tax Credit if:

1. You are receiving a Trade Readjustment Allowance (TRA), or will receive Trade Adjustment Assistance (TAA) benefits once your unemployment benefits are exhausted, or…
2. You are receiving benefits under the Alternative Trade Adjustment Assistance (ATAA) program and you are at least 50 years of age, or…
3. You are receiving benefits from the Pension Benefit Guaranty Corporation (PBGC) and you are at least 55 years old.

State Qualified Health Plans

In addition to the eligibility requirements listed above, you must also have qualified health insurance. Qualified health plans include:

• COBRA continuation coverage, unless the employer or former employer pays at least 50% of the cost of coverage, or... 
• Your spouse's coverage provided his or her employer pays less than 50% of the premium on a pre-tax basis, or... 
• Individual health coverage that you purchased at least 30 days prior to your last day of work , or...
• State Qualified Health Plans - IHC Health Plans is Utah's Qualified Health Plan. You can contact them by calling member services at 1-801-442-5038 (in Salt Lake City) or 1-800-538-5038 (mention you're interested in the HCTC program) or by visiting their website at www.ihc.com .

Utah HCTC Bridge Program

• Brochure
• Terms
• Bridge Program Application
• Application Check List

How do I apply? Contact the Department of Workforce Services at  1-877-529-5578 (toll-free) or (435) 734-8711.

Federal HCTC Program

• Federal HCTC Q & A

Information may be obtained by calling the HCTC Customer Contact Center 1-866-628-4282, or visiting the HCTC website. Keyword: HCTC

Other Information

The Department of Labor
Employment and Training Administration (DOLETA)
1-877-US-2JOBS
Visit the DOLETA web site to see if your company is Trade Certified and for information on the Trade Act of 2002, Trade Adjustment Assistance (TAA) and Alternative Trade Adjustment Assistance (ATAA).

The Pension Benefit Guaranty Corporation (PBGC)
1-800-400-7242

IHC Health Plans www.ihc.com Member Services 1-801-442-5038 (in Salt Lake City) or 1-800-538-5038

Visit the PBGC web site for more information on the PBGC